Farmers National Bank of Lebanon, The
Lebanon, KY · Cert 2754 · Peer group: banks under $1B in assets in KY (n=69) · Lebanon Bancshares Inc.
National charter · OCC · 2 branches
Q2 2026
$163.0MAssets
$115.8MLoans
$145.5MDeposits
$16.4MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in KY (rank 6 of 69).
- Widest gap: total risk-based capital ratio trails 81% of banks under $1B in assets in KY (rank 56 of 69).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.06%
Rank 38 of 69
Net Interest Margin
3.45%
Rank 52 of 69
Efficiency Ratio
62.99%
Rank 35 of 69
Equity / Assets
10.05%
Rank 34 of 69
Non-interest income vs. expense
Unfavorable gap of $3.4M · efficiency ratio beats 51% of banks under $1B in assets in KY | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.06% | 0.83% | 1.18% | 1.44% | Beats 45% | 38 / 69 | | |
| Return on Equity | 10.53% | 7.64% | 11.70% | 15.70% | Beats 45% | 38 / 69 | | |
| Net Interest Margin | 3.45% | 3.45% | 3.75% | 3.96% | Beats 25% | 52 / 69 | | |
| Efficiency Ratio | 62.99% | 55.32% | 62.99% | 70.80% | Beats 51% | 35 / 69 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.18% | 0.52% | 1.14% | Beats 100% | 6 / 69 | | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.06% | Beats 100% | 7 / 69 | | |
| Capital |
| Tier 1 Capital Ratio | 10.72% | 11.33% | 13.58% | 16.27% | Beats 19% | 56 / 69 | | |
| Total Risk-Based Capital Ratio | 10.72% | 11.55% | 14.43% | 17.27% | Beats 19% | 56 / 69 | | |
| Equity / Assets | 10.05% | 8.31% | 9.91% | 12.53% | Beats 51% | 34 / 69 | | |
| Liquidity & Funding |
| Loans / Deposits | 79.54% | 71.40% | 81.07% | 88.03% | 45th pctl | 38 / 69 | | |
| Loans / Assets | 71.01% | 61.10% | 68.66% | 76.68% | 57th pctl | 30 / 69 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |